insurance service

1. Reimbursement for hospitalization within the city area of urban employees

The minimum reimbursement standard for hospitalization in the third-level designated medical institutions for insured employees in Wuwei City is 850 yuan. The reimbursement ratio of medical expenses within the scope of the policy is shown in the table below.

2. Reimbursement for hospitalization in the city of urban and rural residents

The minimum reimbursement standard for hospitalization in third-level designated medical institutions for urban and rural residents in Wuwei City is 1,000 yuan. The reimbursement ratio of medical expenses within the scope of the policy is shown in the table below.

III. "Million Medical + Heavy Ion Treatment Green Channel"

(1) Coverage Details

Jointly launched by Wuwei Cancer Hospital and insurance companies including China Life and Taikang Insurance, this plan includes Comprehensive Medical Insurance (4.05 million yuan) and Heavy Ion Special Insurance (1.5 million yuan), with a total coverage of 5.55 million yuan. It covers heavy ion treatment costs and comprehensive medical expenses (e.g., surgery, chemotherapy), providing one-stop reimbursement services through the insurance companies.

(2) Eligibility and Premiums

Eligible Age: 28 days after birth to 60 years old.

Premiums: Tiered by age, ranging from 200 yuan to over 1,000 yuan annually, requiring only a small additional cost on top of traditional health insurance.

(3) Additional Services

Policyholders gain access to a "Green Healthcare Channel", including priority treatment arrangements and fast-track referrals.

IV. "Jincheng·Hui Medical Insurance"

(1) Coverage Scope

Specifically designed for heavy ion treatment, this plan covers inpatient medical expenses (both in-network and out-of-network), specialty drug costs, and direct treatment costs (e.g., positioning, radiotherapy planning). Non-direct expenses (e.g., bed fees, chemotherapy) are excluded.

(2) Reimbursement Ratio and Limits

• No deductible (0 yuan). Reimbursement rate: 50% for general patients, 55% for minors.
• Annual maximum payout: 500,000 yuan.
• Example: A breast cancer patient with total treatment costs of 266,500 yuan received 53,100 yuan from basic medical insurance, leaving 213,400 yuan as personal responsibility. "Jincheng·Hui Medical Insurance" ultimately paid 100,000 yuan.

Eligibility: Available to Gansu Province residents enrolled in local basic medical insurance, requiring treatment at designated facilities (e.g., Wuwei Heavy Ion Center).

Comparison and Advantages

Additional Notes

Dual Insurance Model: The two plans can be used together to further reduce patients’ out-of-pocket expenses. For example, first use Jincheng·Hui Medical Insurance to reimburse a portion of expenses, and the remaining balance can be covered by the Million Medical plan.

Cost Reduction Context: Wuwei Cancer Hospital uses domestically produced heavy ion equipment, reducing treatment costs by 30% compared to imported systems. A single-site treatment course costs approximately 200,000 yuan, with a second site at half price. Medical insurance programs further alleviate financial pressure on patients.

For detailed information about enrollment procedures or specific terms, please contact the partner insurance companies.